TERMS AND CONDITIONS

1.1 The Site serves primarily informational and/or advertising purposes related to financial products and services, including wage assignments, personal loans, credit cards, and, more generally, consumer credit products.

1.2 The information and content on the Site do not constitute financial advice, offers, contractual proposals, or recommendations. The Site does not carry out any comparison of different credit offers and does not engage in credit intermediation activities under Italian Legislative Decree No. 385/1993 (Banking Consolidation Act), Legislative Decree No. 141/2010, or the supervisory regulations issued by the Agents and Mediators Organization (OAM).

1.3 The Site does not provide financing, does not assess the User's creditworthiness, nor guarantees the obtaining of any type of credit. Any subscription to financial products or services occurs exclusively between the User and third parties, without any direct involvement of the Site's publisher.

1.4 The Site and its Advertising Partners do not represent the entire credit offering available on the market. There may be other products or services not advertised on the Site that are potentially better suited to the User's needs.

1.5 The Site does not collect any personal data, nor information regarding the User's credit needs, nor other personal information aimed at profiling or preparing credit proposals. Any data collection, credit needs assessment, or application review is the sole responsibility of the duly authorized Advertising Partners, to whom the User may turn. The content of the Site is general in nature and does not refer to specific products or services offered by the Advertising Partners.

2.1 The Site may host advertising content, promotional messages, or links related to Advertising Partners. By accessing such content, the User may be redirected to third-party sites or platforms.

2.2 The Site's publisher does not participate in the definition, negotiation, or modification of the economic, contractual, or operational conditions of the products and services presented by the Advertising Partners, who remain solely responsible.

3.1 The User is encouraged to carefully review all informational and pre-contractual documentation provided by the Advertising Partners (such as Information Sheets, SECCI Documents, APR, TIN, terms and conditions, privacy policies, etc.) before making credit-related decisions or entering into any financial product or service agreement.

3.2 The Site does not provide personalized advice. Any financial decision must be carefully evaluated, possibly with the support of a qualified advisor.

4.1 The Site may contain links, buttons, or advertising banners that allow the User to access offers from Advertising Partners.

4.2 Redirection to a specific Advertising Partner may occur randomly, cyclically, or be influenced by advertising dynamics, geographic limitations of the offer, including those related to the level of compensation paid by the advertiser to the Site's publisher. Consequently, the frequency with which the User is directed to a specific Advertising Partner may vary over time and is not based on the User's choices or preferences.

5.1 Some content on the Site may include multiple-choice questions, solely for the purpose of encouraging interaction with the User and generating greater engagement with the content.

5.2 The User's answers to such questions do not in any way influence the advertising flow or the Advertising Partner to which the User may subsequently be redirected.

5.3 No information relating to the answers provided to such questions is collected, stored, or used. Consequently, there is no profiling of the User under personal data protection regulations.

6.1 The information provided on the Site is of a general nature and may not be complete, up-to-date, or error-free. The User uses such information at their own sole risk and responsibility.

6.2 The Site's publisher shall not be liable in any way for any direct, indirect, consequential, or other damages arising from the use of the information or links provided, nor for decisions made by the User based on such information.

6.3 Nothing in these Terms and Conditions limits or excludes the Site publisher's liability for damages arising from fraud or gross negligence, nor does it prejudice the non-waivable rights granted to consumers by law.

7.1 The content of the Site (texts, images, graphics, logos, trademarks, layout) is protected by applicable intellectual property laws. Unless otherwise indicated, it is the exclusive property of the publisher or its licensors.

7.2 The use of third-party trademarks or distinctive signs is purely descriptive and does not imply any affiliation, sponsorship, or endorsement by the Site's publisher.

8.1 The Site may contain links to third-party websites. The publisher exercises no control over such sites and assumes no responsibility for their content, accuracy, legality, functionality, or compliance with applicable regulations.

8.2 Access to third-party sites is at the User's own risk, and the User is required to review the terms and conditions, privacy policies, and other policies adopted by the respective operators.

9.1 The Site's publisher reserves the right to modify, supplement, or update these Terms and Conditions at any time, without any obligation to provide advance notice.

9.2 Changes will take effect as of the date of publication on the Site. The User is required to periodically review this section to check for any updates.

10.1 These Terms and Conditions, as well as the use of the Site, are governed by Italian law, without prejudice to any mandatory consumer protection provisions.

10.2 For any dispute relating to the interpretation, validity, performance, or resolution of these Terms and Conditions, the court of the User-consumer's place of residence or domicile shall have jurisdiction, pursuant to applicable laws. Failing that, the court where the Site's publisher has its registered office shall have jurisdiction.